Central Berkshire Habitat for Humanity Homeownership Program
Funding status: Active
How much assistance
Affordable home purchase with below-market mortgage through Habitat partnership (Zero-Interest Loan)
Affordable mortgage repayment plan
Eligibility
- Income limits: Must meet income guidelines for the town in which purchasing (typically 30-80% AMI)
- First-time buyer required: Yes — Must not have owned a home in the past 3 years and currently be living in substandard, subsidized, or unaffordable housing
- Geographic restrictions: Serves Pittsfield, Dalton, Housatonic, and surrounding Berkshire County communities
- Homebuyer education required: Yes
How to Apply for Central Berkshire Habitat for Humanity Homeownership Program
Step 1: Apply through Central Berkshire Habitat for Humanity. Must have lived or worked in Berkshire County for at least one year, obtain mortgage pre-approval from a third-party lender, and complete 275-425 hours of sweat equity. The process typically takes 1.5-2 years from application to homeownership. Contact 413-442-3181.
Notes
Sweat equity hours: 275 hours for single head of household, 425 hours for dual head of household. Includes homebuyer financial education classes.